Commercial Business Insurance Agent

Account Executive Employer Information Organization Name The Hess Agency Website www.hessagency.com Summary The Hess Agency is seeking a full-time Experienced Commercial Insurance Agent to service business insurance accounts, as well as, prospect, solicit, quote, and sell new lines of insurance products. For 90 years, The Hess Agency has been serving the good folks of Lancaster County and the surrounding area. We are a fifth-generation owned business with deep Lancaster County roots. We have a long and continued history of growth and are committed to serving our community through our core values. We expect all our team members to treat our clients, employees, and suppliers with respect. We require complete honesty, integrity, and professionalism in everything we do. We live up to our commitments. We guard and conserve our clients' resources as we guard our own and give our best at all times. We reflect our values in the way we live our lives, serve our customers, and give back to the community.

Job Location:

Manheim, PA-17545

Hours/Week:

40 Benefits Health and Dental Insurance 401K and Matching 401K, Paid Time Off Profit Sharing Direct Primary Care Access Vision, LTD, AD&D, and many additional voluntary benefits Paid Holidays Job Purpose Responsible for servicing an established book of business and prospecting, soliciting, quoting and selling new Commercial/Personal Lines/Life and Benefits accounts. Counsels and markets to existing clients. Tasks Call on policyholders to deliver and explain policy, to analyze insurance programs and suggest additions or changes, or to change beneficiaries. Customize insurance programs to suit individual customers, often covering a variety of risks. Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans. Perform administrative tasks, such as maintaining records and handling policy renewals. Select company that offers type of coverage requested by client to underwrite policy. Contact underwriters and submit forms to obtain binder coverage. Confer with clients to obtain and provide information when claims are made on a policy. Job Description Monitor insurance claims to ensure they are settled equitably for both the client and the insurer. Responds to referrals quickly and effectively. Prequalifies insurance prospects for insurability and quality of risk. Designs insurance plans and recommends coverages to clients. Creates letters and postcards to clients offering coverage, shares information and advice regarding insurance matters. Completes and submits applications and related documentation to appropriate insurance markets. Surveys loss exposures needs and possible uninsurable or difficult to insure exposures for clients. Prepares, requests, and delivers binders to insureds. Educates clients concerning agency payment expectations and cancellation procedures. Collects premium deposits from insureds for purchases of new and upgraded coverages and obtains signatures on all applications and related forms from insureds. Informs insureds of coverage limitations and binding restrictions and documents files to reduce the agency's exposure to errors and omissions claims. Documents recommended coverages not taken to reduce the agency's exposure to errors and omissions claims. Asks for referrals from insureds to generate new sales opportunities. Explains coverages and exclusions and documents explanations in file for future reference. Works with clients to ensure limit and coverage adequacy. Maintains complete and thorough documentation of client files. Reviews existing policy coverage at least annually, upgrading and remarketing accounts as necessary. Collects client information in the preparation of schedules of insurance, summaries, and renewal proposals. Uses each client contact as an opportunity for coverage review and discussion of needed coverage. Recommends and helps insureds carry out loss control programs, independently and in conjunction with company loss control representatives. Contacts insured to collect past due premiums and audit adjustments. Continues to develop ongoing relationships with insureds. Accepts and handles any accounts, duties or prospects assigned by agency management. Participates in meetings and other agency activities. Identifies training needs with assistance from agency management. Assumes responsibility for improving technical skills. Maintains working knowledge of rating programs, technical manuals and insurance product information from carriers, vendors, and other related sources. All other duties as assigned. Experience Years of Experience 3+ Education High School/G.E.

D Job Type:

Full-time Benefits:

401(k) 401(k) matching Dental insurance Disability insurance Health insurance Paid time off Vision insurance

License/Certification:

P&C license (Required) Ability to

Commute:

Manheim, PA 17545 (Required) Ability to

Relocate:

Manheim, PA 17545: Relocate before starting work (Required)

Work Location:

In person